16 Headwaters Rd, Chester Gap, VA 22623 Property Records

Rappahannock County property record for 16 Headwaters Rd, Chester Gap, VA 22623

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,000 sqft · built 2012
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$304,000 (Aug 2026)
Tax Bill	$1,313 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1 40B`

Property Details

APN / Parcel Number

Primary APN	`1 40B`
Alternative APNs	`0 1 40B` `70`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,000 sqft Total Area
Gross Area	2,416 sqft
1st Floor Area	1,000 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Type	Detached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Deck Area	80 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	70
Street Address	16 HEADWATERS RD
City	CHESTER GAP
State	VA
Zip	22623-2013
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.28 AC 2017 #37 1999 #1434 1980 DB 137
Jurisdiction	RAPPAHANNOCK VA
Township / Civil Division	WAKEFIELD
Census Block Group	1
Census Block	1008
Census Tract	950100

Owner

16 Headwaters Rd is owned and occupied by an individual who bought it in August 2026.

Source: Rappahannock County records, as of August 18, 2026

Owner of Record	Individual Name on File
Mailing Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Bargain and Sale Deed, Transfer · FHA Mortgage HIGHLANDS RESID'L MORTGAGE
Feb 2, 2021	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jan 11, 2017	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Deed Document Number	2026656
Record Updated	Sep 20, 2026

August 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Aug 7, 2026
Property Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013
Document Number	0000000656
Instrument Date	Aug 6, 2026
Instrument	2026656
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,704.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013

Mortgage

Document Number	0000000657,
Date	Aug 7, 2026
Instrument	2026657

Lender

Name	HIGHLANDS RESID'L MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013
Document Number	210000174
Instrument Date	Feb 2, 2021
Transaction Type	Mortgage
Record Updated	Mar 9, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEADWATERS RD CHESTER GAP VA 226232013, CHESTER GAP, VA 22623-2013

Mortgage

Document Number	210000174
Date	Feb 5, 2021
Instrument	174

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	216 Months
Due	Feb 4, 2039

Interest

Rate Type	Fixed Rate
Rate	2.88%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAPPAHANNOCK VA
Property Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013
Document Number	200000138
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEADWATERS RD CHESTER GAP VA 226232013, CHESTER GAP, VA 22623-2013

Mortgage

Document Number	200000138
Date	Feb 12, 2020
Instrument	138

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 11, 2040

Interest

Rate Type	Fixed Rate
Rate	3.88%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RAPPAHANNOCK VA
Recording Date	Jan 11, 2017
Property Address	16 HEADWATERS RD, CHESTER GAP, VA 22623-2013
Document Number	170000037
Instrument Date	Jan 9, 2017
Instrument	37
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	PENFED TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HEADWATERS RD CHESTER GAP VA 226232013, CHESTER GAP, VA 22623-2013

Mortgage

Document Number	170000038,
Date	Jan 11, 2017
Instrument	38

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 16 Headwaters Rd was $1,313.

Source: Rappahannock County assessment roll, as of January 30, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Rappahannock County
Unified School District	Rappahannock County Public Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,313.00	$208,500 Land $30,000 Building $178,500	$208,500 Land $30,000 Building $178,500
2023	$1,271.00	$208,500 Land $30,000 Building $178,500	$208,500 Land $30,000 Building $178,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 16 Headwaters Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 1, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 16 Headwaters Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 71% of Virginia
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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